We Built the App
We Needed
We built Spendify™ because we were tired of finance apps that collected our data but didn't tell us what to do with it.
Spendify was founded in 2025 by Junior Yono in San Diego. Like a lot of people, he had debt he wanted gone — and found that every finance app on the market would show him charts and categories, but none of them would tell him when he'd be debt-free or what it would take to get there.
So he built it. What started as a spreadsheet with payoff formulas became Spendify — an app that connects your accounts, compares strategies, and gives you an exact debt-free date. Most apps show you where your money went. Spendify shows you where it should go.
Today, Spendify is used by over 1,000 people across the US, tracking debt across 13,000+ financial institutions. And every feature we build still starts with the same question: "Would this actually help someone get out of debt?"
Junior Yono
Founder & CEO
Our Company's Values
Progress over perfection.
You don't need to be perfect with money. Small wins add up, and the app tracks every one.
No guilt trips.
Debt happens. We're not here to lecture you. We're here to help you build a way out.
Build what we'd use.
Spendify started because we needed it. Every feature has to earn its place in our own accounts first.
Respect your time.
Accounts sync automatically. Your evenings aren't for updating spreadsheets.
Show the math.
Your debt-free date, interest saved, and time saved.
Plans over dashboards.
Most apps give you charts. Spendify gives you a plan to get out of debt.
Built by People
Who Get It
We built Spendify because we needed it. First year is $1 — see what a finance app with a plan feels like.
